M Life Mastercard Now Offers a Free Night (for Limited Time)

If you are unfamiliar with Mlife, that is the reward program for the MGM casinos. If you happen to frequent Las Vegas, this is a pretty important program to become familiar with, as much of the Las Vegas strip is owned by MGM. They released a credit card not too long ago, and are looking to improve it for a limited time.

Quick Recap

The typical sign up bonus on the card is the 10,000 points after spending $1,000 within the first three months. Those 10,000 points are worth about $100. The card comes with no annual fee, and earns 3% back at MGM properties, 2% at gas stations and supermarkets, and 1% back everywhere else. 

In addition, the credit card also gives you Pearl status in the MGM Mlife program. You will keep this status so long as you have the card open. The two most notable things about Pearl status is complimentary self parking at MGM properties (at least in Las Vegas), and every point you earn will double. This means if you spent 1 dollar at an MGM property, you’d earn 6 points instead of 3. Also you’ll receive a buffet line pass, and 10% bonus on points, express comps, and a 10% discount at participating retail stores.

The New Offer

In addition to the standard sign up bonus of 10,000 points for spending $1,000 in the first three months, you will receive another gift if you apply by May 30th. If you apply within the time frame, you can get a free night at the MGM, Mandalay Bay, Park MGM (Monte Carlo), or the Mirage hotel. 

You will still need to pay the resort fee and any taxes when you redeem the free night.

Final Thoughts

When it comes down to it, I don’t really think this is that great of a credit card. When I first heard about this, I was excited because I thought the free night was going to be an annual free night for all cardholders moving forward. Unfortunately, it only seems to be applicable if you apply within a short timeframe, and it’s only a one time deal. 

If that was the case, then you can make the argument that the card could be worth applying for for most people. As it stands now, I think the better option is to apply for the World of Hyatt credit card (this is what I did as a Las Vegas local). Hyatt and Mlife have a nice partnership going which you can benefit greatly from. Holding the World of Hyatt card will give you automatic Discoverist status. You can then match the status to Mlife Pearl. Additionally, the Hyatt card gives you an anniversary night every year which can be used at some of the MGM properties. Of course, the World of Hyatt card comes with an annual fee of $95, whereas the Mlife card does not come with an annual fee. So there is that point. 

If you can spend $95 on the Hyatt card every year, you will be getting a lot more value than the Mlife card. If the annual fee is too much, now wouldn’t be a bad time to apply for the Mlife card, at least you’ll get a free night out of it (not counting the resort fees and taxes).

What do you think about the Hyatt vs Mlife card? Let us know below! 

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